NBT Bancorp Statistics
Total Valuation
NBT Bancorp has a market cap or net worth of $2.71 billion. The enterprise value is $2.88 billion.
| Market Cap | 2.71B |
| Enterprise Value | 2.88B |
Important Dates
The last earnings date was Monday, July 27, 2026, after market close.
| Earnings Date | Jul 27, 2026 |
| Ex-Dividend Date | Sep 1, 2026 |
Share Statistics
NBT Bancorp has 51.96 million shares outstanding. The number of shares has increased by 8.56% in one year.
| Current Share Class | 51.96M |
| Shares Outstanding | 51.96M |
| Shares Change (YoY) | +8.56% |
| Shares Change (QoQ) | -0.22% |
| Owned by Insiders (%) | 1.88% |
| Owned by Institutions (%) | 68.96% |
| Float | 50.95M |
Valuation Ratios
The trailing PE ratio is 12.77 and the forward PE ratio is 11.88.
| PE Ratio | 12.77 |
| Forward PE | 11.88 |
| PS Ratio | 3.74 |
| Forward PS | 3.47 |
| PB Ratio | 1.39 |
| P/TBV Ratio | 1.88 |
| P/FCF Ratio | 11.02 |
| P/OCF Ratio | 10.34 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 13.46 |
| EV / Sales | 3.98 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.74 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.21 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.42%.
| Return on Equity (ROE) | 11.42% |
| Return on Assets (ROA) | 1.33% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.76% |
| Revenue Per Employee | $314,289 |
| Profits Per Employee | $92,988 |
| Employee Count | 2,303 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, NBT Bancorp has paid $63.16 million in taxes.
| Income Tax | 63.16M |
| Effective Tax Rate | 22.77% |
Stock Price Statistics
The stock price has increased by +22.59% in the last 52 weeks. The beta is 0.48, so NBT Bancorp's price volatility has been lower than the market average.
| Beta (5Y) | 0.48 |
| 52-Week Price Change | +22.59% |
| 50-Day Moving Average | 51.04 |
| 200-Day Moving Average | 45.45 |
| Relative Strength Index (RSI) | 48.75 |
| Average Volume (20 Days) | 334,812 |
Short Selling Information
The latest short interest is 1.96 million, so 3.77% of the outstanding shares have been sold short.
| Short Interest | 1.96M |
| Short Previous Month | 1.79M |
| Short % of Shares Out | 3.77% |
| Short % of Float | 3.84% |
| Short Ratio (days to cover) | 4.78 |
Income Statement
In the last 12 months, NBT Bancorp had revenue of $723.81 million and earned $214.15 million in profits. Earnings per share was $4.08.
| Revenue | 723.81M |
| Gross Profit | 723.81M |
| Operating Income | 302.79M |
| Pretax Income | 277.31M |
| Net Income | 214.15M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $4.08 |
Balance Sheet
The company has $366.82 million in cash and $543.25 million in debt, with a net cash position of -$176.43 million or -$3.40 per share.
| Cash & Cash Equivalents | 366.82M |
| Total Debt | 543.25M |
| Net Cash | -176.43M |
| Net Cash Per Share | -$3.40 |
| Equity (Book Value) | 1.94B |
| Book Value Per Share | 37.42 |
| Working Capital | -13.51B |
Cash Flow
In the last 12 months, operating cash flow was $261.66 million and capital expenditures -$16.05 million, giving a free cash flow of $245.61 million.
| Operating Cash Flow | 261.66M |
| Capital Expenditures | -16.05M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 58.83M |
| Free Cash Flow | 245.61M |
| FCF Per Share | $4.73 |
Margins
| Gross Margin | n/a |
| Operating Margin | 41.83% |
| Pretax Margin | 38.31% |
| Profit Margin | 29.59% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 33.93% |
Dividends & Yields
This stock pays an annual dividend of $1.60, which amounts to a dividend yield of 3.07%.
| Dividend Per Share | $1.60 |
| Dividend Yield | 3.07% |
| Dividend Growth (YoY) | 8.63% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 39.21% |
| Buyback Yield | -8.56% |
| Shareholder Yield | -5.49% |
| Earnings Yield | 7.91% |
| FCF Yield | 9.07% |
Analyst Forecast
The average price target for NBT Bancorp is $56.83, which is 9.10% higher than the current price. The consensus rating is "Hold".
| Price Target | $56.83 |
| Price Target Difference | 9.10% |
| Analyst Consensus | Hold |
| Analyst Count | 7 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on November 29, 1999. It was a forward split with a ratio of 1.05:1.
| Last Split Date | Nov 29, 1999 |
| Split Type | Forward |
| Split Ratio | 1.05:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |